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How do I get Equifax to remove 7 year old dismissed Chapter 13 Bankruptcy?
Wiki User
∙ 9y ago
You can write them or call and request that your bankruptcy be removed. They do not have to remove it, however. It is generally the amount of time that it falls off your credit or is not considered when being looked at for credit.
Wiki User
∙ 9y ago
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How do you remove a dismissed chapter thirteen bankruptcy from a credit report?
You can't. A valid entry for a dismissed chapter 13 bankruptcy will remain on a credit report for seven years from the date of dismissal.
What do you do if a dismissed chapter 13 bankruptcy is still showing on your credit report after 7 years?
Get an "official" copy of your bankruptcy documents indicating the date that the Bankruptcy was dismissed. Send the official copies to each of the credit bureaus that are reporting the information and request that they update their files accordingly and to forward to you an updated copy of your credit report. The key word here is "request". do not demand, threaten or utilize any form of aggression. just be simple, polite and to the pint with your request This should solve the problem. Both Experian and Transunion remove a dismissed Chapter 13 bankruptcy after 7 years. Equifax's policy is to keep it on the credit report for 10 years. Has anyone been able to successfully request Equifax to remove this item after 7 years? While it's true that the negative impact of a dismissed bankruptcy filing is diluted with age, any reference to "bankruptcy" still casts a dark shadow on a credit report no matter how long ago it was filed.
If a bankruptcy is dismissed can you have it removed from your credit?
Yes. I tried to remove a dismissed bankruptcy from my credit report. All agencys were contacted and so was the FTC. They said they had a legal right to keep the Bankruptcy dismissal information on the bureaus files.
Who do you remove a chapter 7 bankruptcy from your credit report?
You dont, the courts or credit companies are the only ones that can remove them. Very long process if they allow it and nowadays, they can choose to keep bankruptcy on your credit for 20 years or more.....
Can a credit agency remove a chapter 7 bankruptcy after it has been 7 years?
No, valid negative information must remain on a credit report for the required amount of time. In the case of a chapter 7 bankruptcy it is 10 years from the date of discharge.
How do you remove a dismissed chapter thirteen bankruptcy from a credit report?
You can't. A valid entry for a dismissed chapter 13 bankruptcy will remain on a credit report for seven years from the date of dismissal.
What do you do if a dismissed chapter 13 bankruptcy is still showing on your credit report after 7 years?
Get an "official" copy of your bankruptcy documents indicating the date that the Bankruptcy was dismissed. Send the official copies to each of the credit bureaus that are reporting the information and request that they update their files accordingly and to forward to you an updated copy of your credit report. The key word here is "request". do not demand, threaten or utilize any form of aggression. just be simple, polite and to the pint with your request This should solve the problem. Both Experian and Transunion remove a dismissed Chapter 13 bankruptcy after 7 years. Equifax's policy is to keep it on the credit report for 10 years. Has anyone been able to successfully request Equifax to remove this item after 7 years? While it's true that the negative impact of a dismissed bankruptcy filing is diluted with age, any reference to "bankruptcy" still casts a dark shadow on a credit report no matter how long ago it was filed.
If a bankruptcy is dismissed can you have it removed from your credit?
Yes. I tried to remove a dismissed bankruptcy from my credit report. All agencys were contacted and so was the FTC. They said they had a legal right to keep the Bankruptcy dismissal information on the bureaus files.
When is a dismissed chapter 13 bankruptcy removed from a credit report?
Probably not. It was an attempt to get out of paying debts and many creditors would consider this to be significant as an indication of your credit risk. A dismissed chapter 13 BK remains on the credit report for 7 years from the date of the dismissal. This is true for Experian and Transunion. Equifax keeps a dismissed Chapter 13 BK for 10 years after date of filing... if anyone has been successful in getting Equifax to remove this item after 7 years, please share how you did it !!
How do you remove an automatic stay after the bankruptcy has been dismissed?
The automatic stay is more a term of art. If a case has truly been dismissed and you can verify this online, then the automatic stay was also terminated at that time. Nothing needs to be filed or done on your part. Verify that it was dismissed though.
Who do you remove a chapter 7 bankruptcy from your credit report?
You dont, the courts or credit companies are the only ones that can remove them. Very long process if they allow it and nowadays, they can choose to keep bankruptcy on your credit for 20 years or more.....
Can a credit agency remove a chapter 7 bankruptcy after it has been 7 years?
No, valid negative information must remain on a credit report for the required amount of time. In the case of a chapter 7 bankruptcy it is 10 years from the date of discharge.
How do you get Equifax to remove a released taxlienfederal?
You must contact the lien holder. If necessary, Equifax can provide you with contact information for the creditor. Equifax can only remove it when the lien holder provides in writing a clearance of the lien.
Can I remove bankruptcies from my credit report?
Not really. Chapter 13 bankruptcy stays on the credit report for seven (7) years (can be ten, but usually seven) and Chapter 7 bankruptcy stays on the credit report for ten (10) years. Once the term is over, you may dispute the bankruptcy with the credit bureau, however, there are no ways to remove the bankruptcy until the term is complete.
Can you get a bankruptcy removed from your credit report if it was never officially filed?
Yes you can, Kind of! I did exactly the same thing. I wrote letters to all three CRA's and 2 of the 3 removed them. I filed a complaint with FTC (FTC seems to be a worthless agency in my opinion) I still have not been able to get Equifax to remove it. They are wrong to report it and I have plenty of reasons. But under the law the can report it because it was filed. Once you submitt it to the court, you "have filed". This is a technicality and Equifax is just being willfully indignant. I suggest you don't give up. Keep trying. I am not giving up. I just recently had a chapter 11 removed from my credit on both Equifax and Trans Union, I am finding Experian to be the indignant one. The bankrupcy was involuntary and dismissed when it was discovered unfounded. I was curious if anyone can help me figure out how to get this mess gone. I NEVER EVEN FILED BANKRUPCY! - If you filed a petition with the bankruptcy court and got a case number you filed bankrupcty and can't have it removed. You may not have filed anything else or gone through with it but you filed banktrucpty.
Why do many companies not want to give you credit when you have a dismissed bankruptcy?
The bankruptcy is still on your credit report atleast under "Public Records". Any filings show up there. The fact that it was dismissed does not remove it. They see that you attempted to file atleast. (Or were forced to file) First, I would like to be sure the terminology is correct: A "dismissed" bankruptcy is one that was thrown out of Court for whatever reason, and the debts were never wiped out. A "discharged" bankruptcy is one that was successfully completed and the debts were wiped out. I am just guessing here - but I would say that a creditor would be hesitant to give a loan to someone with a dismissed bankruptcy since that person was in financial trouble sufficient to warrant filing bankruptcy, and if their case was dismissed, they STILL owe all that debt. I would think a creditor would be tentative to give even more credit to a person who has so much debt already that he or she tried to file bankruptcy on it once. Please note that nothing in this posting or in any other posting constitutes legal advice; this is simply my understanding of the facts, which I do not warrant, and I am not suggesting any course of action or inaction to any person.
Can you request that a bankruptcy be removed from your credit report after 9 years?
You can request the 3 CRAs to remove it. (Equifax, Experian, Trans Union), but they don't have to for 10 years. Some people have luck doing this. And it depends on the chapter of bankruptcy that was filed also. Chapter 7's stay on your credit for 10 years, but Chapter 13's only stay on your credit for 7 years (so those can definitely be removed after 9 years). Please note that nothing in this posting or in any other posting constitutes legal advice; this is simply my understanding of the facts, which I do not warrant, and I am not suggesting any course of action or inaction to any person.
